Loan Rates

It pays to compare! Allow us an opportunity to discuss your borrowing options before financing elsewhere. We may be able to save you hundreds of dollars over the life of your loan. Choose the rates you are looking for below.

Credit Cards

First Mortgage Loan

Cars and Trucks

Premier Credit Lines

Motorcycles

Overdraft Line of Credit

Recreational Vehicles

Share Secured

Personal Loans

Certificate Secured

Home Equity Line of Credit

Business Loans

Home Equity Closed-End Loan

Private Student Loans

Credit Cards1

Card Type Annual Percentage Rate Features
GoodWorks Rewards 10.25%-19.25% APR 0% intro APR for 6 months. No annual fee. Earn introductory rewards for 3 months. 
Passage Rewards 11.25%-20.25% APR 0% intro APR for 6 months. No annual fee. No foreign transaction fee. Earn introductory rewards for 3 months.
GoodWorks 9.25%-18.25% APR 0% intro APR for 6 months. No annual fee.  
Passage 10.25%-19.25% APR 0% intro APR for 6 months. No annual fee. No foreign transaction fee.

Cars and Trucks

Annual Percentage Rate Model Year
2.49%-13.99% APR 2013 or Newer
2.99%-13.24% APR 2012 or Older

Motorcycles

Annual Percentage Rate Model Year
2.99% - 13.49% APR 2013 or Newer
3.49% - 13.74% APR 2012 or Older

Recreational Vehicles

Annual Percentage Rate Model Year
5.24% - 16.24% APR 2016 or Newer
5.74% - 16.74% APR 2015 or Older

Personal Loans

Annual Percentage Rate   Explanation
8.00%-18.00% APR  Rates and terms are based on credit qualifications.

Home Equity Line of Credit

Annual Percentage Rate Explanation
4.25% - 5.25% APR                 Based on LTV (Loan to Value), variable rate which changes quarterly and credit qualifications.

Home Equity Closed-End Loan

Annual Percentage Rate Explanation
4.00% - 6.00% APR            Based on LTV (Loan to Value), credit qualifications and term.                     

First Mortgage Loans

Annual Percentage Rate Explanation
Changes daily.                     Click here for rates and more information.                                                

Premier Credit Lines

Type Annual Percentage Rate Explanation
Premier Line of Credit   6.25% APR Based on WSJ Prime, which may change monthly, up to $30,000 line of credit.
Premier Line of Credit II 6.75% APR Based on WSJ Prime, which may change monthly, up to $10,000 line of credit.

Overdraft Line of Credit

Annual Percentage Rate Explanation
13.25%-18.00% APR                 Rates and terms are based on credit qualifications.

Share Secured

Annual Percentage Rate        Term
4.25% APR Maximum of 96 months; 4% above highest share dividend at time of approval, rounded up to the nearest .25%

Certificate Secured

Annual Percentage Rate           Term
3.50%-5.00% APR Maximum of 60 months; 3% above certificate rate at time of approval, rounded up to the nearest .25%

Business Loans

Annual Percentage Rate Explanation
Varies by type.                    Please contact Entrust at (804) 353-8012 or loans@entrustfcu.org.            

Private Student Loans

Annual Percentage Rate Explanation
Varies by type.                    Click here for rates and more information.                                                

APR=Annual Percentage Rate. Rates effective as of 9/30/2017. Rates and terms are based on individual credit qualifications. Not all borrowers will qualify for the lowest rate. Rates are subject to change. Membership eligibility required. 

1For 0% intro APR, after 6 months rate will be 8.75%-19.75% APR, depending on your creditworthiness and type of credit card. Credit card foreign transaction fee is 1% for GoodWorks and GoodWorks Rewards Credit Cards.